Overdraft Protection

Mistakes happen – we get it! So, when you’ve forgotten to enter that last purchase amount in your check register or miscalculated, we’re here to help.

If you don’t have enough money in your checking account to cover a check or debit card transaction, we’ll transfer the funds automatically from your Heartland savings account to cover you – no fee to transfer the money and no overdraft fee or the embarrassment of a returned check.

Even better, Overdraft Protection comes standard with every Heartland Checking account so you don’t have to worry about signing up. We’ll simply transfer, in $300 increments, from your savings to your checking when you need it.

If you want even more protection we also offer the Ready Cash Plus (a line of credit loan – requires approval) to add yet another layer of protection in case you don’t have enough money in your Savings Account for us to transfer.